Mulligan Funding
Mulligan Funding Review 2026
No origination fee and a soft-pull application — but a $750K revenue bar to qualify.
Quick answer
Mulligan Funding funds up to $10,000,000 (3–24 month terms) with no application or origination fee and a soft credit pull that doesn't affect your score, requiring 625+ FICO, 6+ months in business, and $750,000+ in trailing-12-month revenue — the highest revenue bar in this roundup. It does not publish an interest rate, APR, or factor rate anywhere on its site.
Who Mulligan Funding is best for
Established businesses with $750K+ in trailing revenue that want a no-fee application and a soft credit pull.
At a glance
- Funding amount
- Up to $10,000,000
- Rate
- Not publicly disclosed
- Term
- 3–24 months
- Min credit
- 625+ personal FICO
- Time in business
- 6+ months
- Annual revenue
- $750,000+ (trailing 12 months)
mulliganfunding.com, verified August 20, 2026
No interest rate, APR, or factor-rate figure published on mulliganfunding.com as of verification
mulliganfunding.com
mulliganfunding.com/business-funding-resources/faq/
mulliganfunding.com
mulliganfunding.com — the highest revenue bar in this roundup
Pros
- +No application or origination fee, per its own FAQ — "no obligation and no cost whatsoever when you apply"
- +Soft-pull credit check at application — doesn't affect your credit score
- +Highest published funding ceiling in this roundup: up to $10,000,000
- +Founded 2008; loans issued through a disclosed bank partner, FinWise Bank
Cons
- −$750,000+ trailing-12-month revenue requirement is by far the highest bar in this roundup — excludes most small businesses
- −No interest rate, APR, or factor rate published anywhere on its site
- −Disqualifies businesses with more than one existing daily-debit loan or an open bankruptcy
Mulligan Funding requirements
- 625+ personal FICO
- 6+ months in business
- $750,000+ trailing-12-month revenue
- No more than one existing daily-debit loan; no open bankruptcies
Mulligan Funding alternatives
Top alternatives worth comparing from Best Alternative Business Lenders 2026.
Biz2Credit
Biz2Credit
Established businesses (1+ year, $100K+ revenue) that want to compare several funding types from a single online lender.
Rapid Finance
Rapid Finance
Businesses that want an actual published factor-rate range instead of an undisclosed 'competitive rates' claim.
Kapitus
Kapitus
Businesses with 2+ years of history and $250K+ revenue that want a large funding ceiling and a real published rate range.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best Alternative Business Lenders 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Mulligan Funding scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Established businesses with $750K+ in trailing revenue that want a no-fee application and a soft credit pull.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Mulligan Funding
Does Mulligan Funding charge an application or origination fee?+
No — Mulligan Funding's own FAQ states there is "no obligation and no cost whatsoever when you apply," and no origination fee is disclosed on its site as of this review.
Does applying to Mulligan Funding affect my credit score?+
No. Per mulliganfunding.com's FAQ, Mulligan Funding uses a soft credit pull at the application stage, which does not affect your credit score.
What revenue does Mulligan Funding require?+
Mulligan Funding requires $750,000 or more in trailing-12-month revenue, per its own site — the highest revenue bar of any lender in this roundup, alongside a minimum of 6 months in business and no more than one existing daily-debit loan.
Is ClearValue Lending affiliated with Mulligan Funding?+
No. ClearValue Lending is a small business funding platform — not a lender, broker, or financial advisor. Mulligan Funding is an independent direct funder whose loans are issued through FinWise Bank. All loan approvals and terms are determined solely by Mulligan Funding and its bank partner. Verify current terms at mulliganfunding.com.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/mulligan-funding-altlender